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Discover the benefits of Belfast Equity Release for UK property

  • Belfast Equity ReleaseRemove money from your home with Belfast Equity Release
  • Not necessary to make regular monthly payments
  • Free valuation
  • Use the money for anything you like
  • Continue to live in your own home for as long as you like

How much money can I get?

You can release 60% of your property’s valuation. As an example, if your house is valued at £260000 you can get £156000.

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  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Concise Finance Customer Reviews

mr-g

Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.

david-p-london

David P

With my power of attorney, I got equity release on my father’s house to pay for disability provisions including a lift and a new kitchen.

julia-a

Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

RIO

Mrs M from Birmingham

With no brokers fees and no lenders fees, I got an interest-only retirement mortgage which I pay each month from my private pension. The money released went to my daughter for her wedding and deposit for her next house. She wanted a family, and her flat was too small.

RIO

Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.

RIO

Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had come to the end of its term and they wanted the £127000 back I still owed them. My lifetime mortgage saved me from losing my home and the rate was close to what I paid before.

RIO

Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.

RIO

William from London

I was told by my lawyer my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes and we bought a house in the south of France for us all to use as a holiday home.

RIO

Mrs E from London

My mortgage needed to be repaid to the existing lender. I thought I was going to lose my house. Thanks to Concise I got equity release to pay off my mortgage.

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
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  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

West London Home
Southfields House
Cash tied up in home

Equity Release LTV Percentages

The more elderly you are and the more serious your illnesses you are the more money you can release.

It’s very regular to encounter individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgage or monthly payment equity release, however, the Telegraph like Fortify Insurance Solutions are keen to see paperwork to show your personal circumstances in the form of bank statements.

The mortgage lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an Assured shorthold tenancy tenant.

UK Equity Release Scheme Providers

  • Legal and General
  • Step Change
  • More to life

HSBC Lifetime Mortgage Broker

Tough to mortgage home titles can include properties will be assessed for flood risk, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), properties of non-standard construction, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

  • Canada Life Equity Release Schemes
  • Hodge Lifetime Mortgage Plus
  • TSB Lifetime Mortgage
  • Age Partnership Equity Release Plans
  • Aviva Equity Release Plans
  • Bridgewater Lifetime Mortgage
  • Hodge Equity Release Schemes
  • Just Retirement Equity Release Schemes
  • Pure Retirement Classic Drawdown Lite Plan
  • Lloyds Bank Lifetime Mortgage
  • More 2 Life Tailored Choice Plan
  • Belfast Equity Release
  • Saga Equity Release Schemes
  • Aviva Lifetime Mortgages
  • More to life Capital Choice Plan
  • Pure Retirement Equity Release Schemes
  • Stonehaven Equity Release Scheme
  • Nationwide Equity Release Schemes
  • NatWest Lifetime Mortgage
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More to life Capital Choice Plus Plan
  • Nationwide Equity Release Schemes
  • TSB Equity Release Schemes
  • Saga Equity Release Schemes
  • Belfast Equity Release
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Age Partnership Equity Release

Challenging to finance home variants include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or other self-contained part of the property, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that have solar farms or a large number of wind turbines on the land and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Canada Life Home Finance lifetime mortgage for properties in Scotland

Difficult to finance property variants can include difficult roof structures, properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, studio flats outside the M25 and freehold flats (England, Wales, Northern Ireland).

Legal & General - Premier Flexible Black

Difficult to finance property types can include poorly maintained at the time of the valuation inspection, age restricted properties, right to buy – properties in England, Wales and Northern Ireland, properties which are made up of multiple titles and properties with leased solar panels.

More to life  - Flexi Choice Lite

Some of the most popular LTV ratios of Aviva mortgages for 60 plus, Direct Line mortgages for pensioners over 60, Leeds Building Society later life interest only mortgages over 60, Coventry Building Society later life interest only mortgages over 60, Newcastle Building Society mortgages for over 70s and Cumberland Building Society later life interest only mortgages over 70 are 45%, 55% and 70%.

Pure Retirement - Classic Lite

Retired small business owners that may be interested in lifetime mortgages

  • Wholesale of textiles Peterlee
  • Repair and maintenance of ships and boats Wainfleet All Saints
  • Manufacture of machinery for paper and paperboard production North Walsham
  • Market research and public opinion polling Irthlingborough
  • Factoring Ossett

HSBC Lifetime Mortgage Over 55

Aviva Retirement Mortgages

Hodge Lifetime Mortgages

Legal and General Drawdown Lifetime Mortgages

More to life

LV Drawdown Lifetime Mortgages

 

Drawbacks of Belfast Equity Release

Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to get state benefits. You may need to pay a valuation fee and you could be exposed to changes in interest rates with some products.

Towns of the UK where equity release is common

  • Felixstowe
  • Cowes
  • Smethwick
  • Skegness
  • Middlesbrough
  • Newmarket
  • Stainforth
  • Moreton-in-Marsh
  • Redhill
  • Bulwell
  • Sherborne
  • Ottery St Mary
  • Romford
  • Ramsgate
  • Southwell
  • Ramsey
  • Thame
  • Lynton & Lynmouth
  • Reepham
  • East Ham
  • Shifnal
  • Helmsley

 

Common loan to value percentages of Liverpool Victoria later life interest only mortgages over 70, More to Life interest only mortgages for people over 60, One Family mortgages for people 60 plus, Yorkshire Bank lifetime mortgages for over 60s, Metro Bank mortgages for people over 50 and Axa over 60 lifetime mortgages are 50%, 60% and 65%.

 

Popular LTV percentages of Lloyds Bank mortgages for over 50 year olds, Barclays mortgages for 60 plus pensioners, Post Office equity release schemes for over 55’s, Legal & General later life borrowing schemes over 55, Bank of Scotland mortgages for people over 50 and Nationwide BS remortgages for people over 50 years old are 40%, 60% and 70%.

Equity Release LTV examples similar to Belfast Equity Release

  • 50% home reversion schemes Maximum cover Equity Release
  • 50% LTV lumpsum lifetime mortgages Age Concern
  • 25% loan to value monthly payment equity release Spring Finance
  • 50% loan to value monthly payment equity release Paragon Personal Finance
  • 30% LTV lumpsum lifetime mortgages Bank of Ireland
  • 30% loan to value monthly payment lifetime mortgage Shawbrook

 

Popular pensioner finance products include TSB mortgages over 70s, Barclays mortgages for people 60 plus, Halifax pensioner mortgages over 70s, L&G interest only mortgages for over 65 year olds and Nationwide Building Society mortgages for 60 plus.